All Business Interest Checking

Frequency of rate changes
We may change the interest rate on your account at any time without prior notice.

Compounding Frequency
Interest will be compounded every month.

Crediting Frequency
Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 90 days of opening you will be charged a $25.00 fee.

Minimum balance to open the account
You must deposit $100 to open this account.

Minimum balance requirements - To Avoid Imposition of Fees
You must maintain a minimum daily balance of $10,000.00 in order to avoid a $20.00 monthly service fee.

Balance Computation Method
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balances in the account each day.

Overdrawn Balance Fee
If, on any day, your deposit account is overdrawn, you will be charged the daily rate noted below per day until your account balance is brought current. Overdrafts (created by check, in person withdrawal, ATM withdrawal or other electronic means) are accessed at the rate of: Daily periodic rate = .00049315.

Additional fees may apply for other bank services, such as stop payments, wire transfers and telephone transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Business Attorney/Client Trust

Frequency of rate changes
At our discretion, we may change the interest rate on your account at any time.

Interest
Interest earned on this account is remitted to the State Bar of California under the Legal Service Trust Fund Program.

Effect of closing an account
If you close your account before interest is credited, accrued interest will not be remitted to the Legal Service Trust Fund Program/State Bar of California.

Minimum balance to open the account
You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle. This service fee is netted from the total interest remitted to the State Bar of California under the Legal Services Trust Fund Program.

Transaction fees
No fee for the first 50 checks/debits; $0.30 for each additional check/debit paid against the account each statement cycle.

No fee for the first 20 deposits/credit; $1.50 for each additional deposit/credit posted to the account each statement cycle.

No fee for the first 75 items deposited; $0.20 for each additional item deposited during each statement cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $5,000.00 in the account each day in order to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Additional fees may apply for other bank services, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.”

Business Basic Checking

Minimum balance to open the account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle.

Transaction fees
No fee for the first 100 checks/debits; $0.30 for each additional check/debit paid against the account each statement cycle

No fee for the first 20 deposits/credit; $1.50 for each additional deposit/credit posted to the account each statement cycle

No fee for the first 100 items deposited; $0.20 for each additional item deposited during each statement cycle

Business Interest Checking

(This account is for sole proprietorships and non-profit organizations only)

Business Basic Money Market

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account. Interest will be paid on the appropriate tier level if the minimum balance is maintained during the entire month.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $15.00 will be imposed every monthly statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $2,500.00 in the account each day in order to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
Transfer from this account to another account or to third parties by preauthorized, automatic, telephone or computer transfer (including bill payments) check, draft, point-of-sale (POS), debit card similar order to third parties are limited to six per month. An excess transfer fee of $15.00 per item applies if these limits are exceeded. See the Schedule of Fees and Charges for details.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Business High Performance Money Market Checking

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $10,000.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $25.00 will be imposed every monthly statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $10,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
Transfer from this account to another account or to third parties by preauthorized, automatic, telephone or computer transfer (including bill payments) check, draft, point-of-sale (POS), debit card similar order to third parties are limited to six per month. An excess transfer fee of $25.00 per item applies if these limits are exceeded. See the Schedule of Fees and Charges for details. If you exceed the above limitations your account may be transferred to a transaction account.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Business Basic Savings

Rate Information
At our discretion, we may change the interest rate and annual percentage yield on your account at any time.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $250.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $250.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $250.00 in the account each day in order to obtain the disclosed annual percentage yield.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations
Transfers from this account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

If you exceed the above limitations your account may be transferred to a transaction account.

Fees
An excess transfer fee of $15.00 will be charged for each debit transaction in excess of six per monthly statement cycle.

Business High Performance Money Market Savings

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $25,000.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $25.00 will be imposed every monthly statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $25,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
You are limited to six withdrawals and/or transfers from this account by preauthorized, telephone or computer transfer (including bill payments) per monthly statement cycle. An excess transfer fee of $25.00 per item applies if these limits are exceeded. See the Schedule of Fees and Charges for details. If you exceed the above limitations your account may be transferred to a transaction account.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Tier 1 – If your average daily balance is more than $24,999.99 but less than $100,000, the interest rate paid on the entire balance in your account will be ____% with an annual yield of _____%.

Tier 2 – If your average daily balance is more than $99,999.99 but less than $250,000, the interest rate paid on the entire balance in your account will be ____% with an annual yield of ____%.

Tier 3 – If your average daily balance is more than $249,999.99 but less than $500,000, the interest rate paid on the entire balance in your account will be ____% with an annual yield of _____%.

Tier 4 – If your average daily balance is more than $499,999.99 but less than $1,000,000, the interest rate paid on the entire balance in your account will be ____% with an annual yield of _____%.

Tier 5 – If your average daily balance is $1,000,000 or more, the interest rate paid on the entire balance in your account will be ____% with an annual yield of _____%.

Business Certificate of Deposit

Rate Information
Your interest rate is fixed for the term. Interest will be paid until the maturity date of the certificate. The interest rate is based on the rate in effect at the time we receive the deposit. The disclosed annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Compounding frequency
Interest will be compounded every month.

Crediting frequency
Interest will be credited to your account every month.

Minimum balance to open the account
You must deposit $1,000.00 to open this account. A deposite of $100,000 or over qualifies this account for a Jumbo rate.

Daily balance computation method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may make three deposits into your account before maturity if your account has a term of six months or greater. You may not make deposits into your account before maturity if your account has a term of less than six months.

You may not make withdrawals of principal from your account before maturity.

You cannot withdraw interest from your account before maturity.

Time requirements
Your account will mature on the maturity date of the certificate.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Early withdrawal penalties(a penalty may be imposed for withdrawals before maturity)

If your account has an original maturity of 90 days or less:

The fee we may impose will equal 30 days' interest on the amount withdrawn subject to penalty.

If your account has an original maturity of 91 days through one year:
The fee we may impose will equal 90 days' interest on the amount withdrawn subject to penalty.

If your account has an original maturity of more than one year:
The fee we may impose will equal 180 days' interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Automatically renewable time account
This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Withdrawal Notice

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

ChexSystems

All new accounts will be processed through ChexSystems. All accounts closed for cause will be reported to ChexSystems or similar reporting.